Lincoln MKZ Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Estimated insurance prices for a Lincoln MKZ are $1,378 every 12 months for full coverage. Comprehensive costs an estimated $232, collision insurance costs $446, and liability coverage is $520. Liability-only insurance costs around $576 a year, and high-risk driver insurance costs around $2,998. Teens pay the most at up to $5,396 a year.

Average premium for full coverage: $1,378

Premium estimates broken down by type of coverage:

Comprehensive $232
Collision $446
Liability $520

Includes $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all MKZ models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Lincoln MKZ range from the cheapest price of $576 for basic liability insurance to the much higher price of $2,998 for a policy for a high-risk driver.

Liability Only $576
Full Coverage $1,378
High Risk $2,998

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These rate differences show why everyone should compare rates quotes for a targeted area and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below shows average Lincoln MKZ insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $804
  • Raising to $1,000 deductibles will save approximately $154 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,378
  • Selecting pricier low deductibles increases the price to $1,678
  • Unlucky drivers with serious driving violations could pay up to $2,998
  • An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,396

View Chart as Image

Lincoln MKZ insurance cost comparison chart
Column chart showing Lincoln MKZ insurance rates range from $804 to $5,396 for full coverage

Insurance prices for a Lincoln MKZ also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $460 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,300 additional annually, depending on your age. Lincoln MKZ insurance for high-risk drivers is expensive and can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find prices as low as $910 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,970 on average in New York, Louisiana, and Michigan.

Lincoln MKZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$134 -9.7%
Alaska $1,056 -$322 -23.4%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,570 $192 13.9%
Colorado $1,314 -$64 -4.6%
Connecticut $1,416 $38 2.8%
Delaware $1,560 $182 13.2%
Florida $1,722 $344 25.0%
Georgia $1,272 -$106 -7.7%
Hawaii $990 -$388 -28.2%
Idaho $934 -$444 -32.2%
Illinois $1,026 -$352 -25.5%
Indiana $1,040 -$338 -24.5%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,040 $662 48.0%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,390 $1,012 73.4%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,222 -$156 -11.3%
Montana $1,478 $100 7.3%
Nebraska $1,088 -$290 -21.0%
Nevada $1,652 $274 19.9%
New Hampshire $994 -$384 -27.9%
New Jersey $1,540 $162 11.8%
New Mexico $1,218 -$160 -11.6%
New York $1,452 $74 5.4%
North Carolina $794 -$584 -42.4%
North Dakota $1,128 -$250 -18.1%
Ohio $950 -$428 -31.1%
Oklahoma $1,414 $36 2.6%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,838 $460 33.4%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,658 $280 20.3%
Utah $1,018 -$360 -26.1%
Vermont $942 -$436 -31.6%
Virginia $826 -$552 -40.1%
Washington $1,064 -$314 -22.8%
West Virginia $1,262 -$116 -8.4%
Wisconsin $954 -$424 -30.8%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Lincoln MKZ insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Lincoln MKZ Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Lincoln MKZ 4-Dr Sedan $1,350 $113
Lincoln MKZ AWD 4-Dr Sedan $1,378 $115

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Lincoln MKZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Lincoln MKZ $282 $618 $500 $1,580
2019 Lincoln MKZ $270 $574 $510 $1,534
2018 Lincoln MKZ $260 $540 $514 $1,494
2017 Lincoln MKZ $248 $484 $520 $1,432
2016 Lincoln MKZ $232 $446 $520 $1,378
2015 Lincoln MKZ $224 $418 $524 $1,346
2014 Lincoln MKZ $220 $390 $534 $1,324
2013 Lincoln MKZ $202 $362 $534 $1,278
2012 Lincoln MKZ $198 $328 $540 $1,246
2011 Lincoln MKZ $184 $300 $534 $1,198
2010 Lincoln MKZ $174 $272 $534 $1,160
2009 Lincoln MKZ $168 $246 $530 $1,124
2008 Lincoln MKZ $166 $240 $520 $1,106
2007 Lincoln MKZ $162 $228 $510 $1,080

Rates are averaged for all Lincoln MKZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Lincoln MKZ Insurance

Finding better rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every year by requesting quotes from direct carriers, and also from several local insurance agents.

The next list is a recap of the coverage data raised in the charts and tables above.

  • Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save as much as $450 each year
  • Drivers age 20 and younger are expensive to insure, as much as $450 per month if full coverage is included
  • Drivers that have major violations or accidents pay on average $1,620 more annually to buy Lincoln MKZ insurance

Rates by Driver Age

Lincoln MKZ Insurance Rates by Driver Age
Driver Age Premium
16 $5,396
20 $3,202
30 $1,418
40 $1,378
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Lincoln MKZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,538
$500 $1,378
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Lincoln MKZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,482
100/300 $1,612
250/500 $1,950
100 CSL $1,534
300 CSL $1,820
500 CSL $2,028

Full coverage, driver age 40

Rates for High Risk Drivers

Lincoln MKZ Insurance Rates for High Risk Drivers
Age Premium
16 $7,664
20 $5,108
30 $3,044
40 $2,998
50 $2,866
60 $2,840

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $58
Advance Quote $66
Online Quote $96
Total Discounts $574
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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